2011 Employee Benefits Open Enrollment

As part of the Patient Protection and Affordable Care
Act (healthcare reform), a child can be covered under
your medical plan up to age 26. To be eligible for
coverage beginning Jan. 1, 2011, the child must be:
• your natural, step, foster, adopted or legal
guardianship/legal custody child and
• be less than 26 years old.
There are no other eligibility requirements.
2011
Open Enrollment
Oct. 21 – Nov. 19, 2010
An important benefit change
beginning Jan. 1, 2011
To add a child to your medical coverage, go to
the online Open Enrollment site available through
eBenefits on InsideNet. You must have his or her
Social Security number and date of birth. Enrollment
has been extended this year specifically because of
this change.
To be eligible for coverage for benefits other than
medical, your child must continue to meet the current
eligibility rules applicable for that benefit.
Employees can select their 2011 benefits from Oct. 21 – Nov. 19, midnight Eastern time.
The selections will be in effect throughout calendar year 2011.

NEW FOR 2011
Children can be covered to age 26 under the TVA Medical Plan.
See previous page for more information.
There will be four enhancements to each of the medical plan
options.
1 Children under age 19 no longer have to provide proof of previous health coverage
in order to eliminate a waiting period for pre-existing conditions. If you have
a child under age 19 who is still in a pre-existing condition waiting period on Jan. 1,
2011, the child’s waiting period will automatically end at midnight Dec. 31, 2010. This
change is part of the Patient Protection and Affordable Care Act.
2
The number of routine checkups paid at 100 percent for children up to
age 6 will increase. The new schedule is:
Birth to age 1 - five exams (in addition to the physician exam in the hospital)
Age 1 up to 2 - three exams
Age 2 up to 3 - two exams
Age 3 up to 6 - one exam per year
There will no longer be a limit (or maximum) as to the amount paid by the
3
medical plan for the following major organ transplant procedures: heart,
heart and lung, liver, pancreas, lung (single or double), small bowel, small bowel/
liver. This change is part of the Patient Protection and Affordable Care Act.
Inpatient and outpatient mental health and substance abuse services will
4
be covered the same as other conditions. There will no longer be any day
or visit limits.
Another medical plan enhancement became effective in 2010 to cover flu shots —
seasonal and H1N1 (swine flu) — at 100 percent. This change was retroactive to
Jan. 1, 2010. The shots will be paid in full regardless of whether or not you have
used all of your $500 preventive care benefit.
The Flexible Spending Accounts will have two changes.
1
The Health Savings Account will have two changes.
The following changes will be effective Jan. 1, 2011.
The Limited Purpose Health Care Flexible Spending Account will no longer
be offered due to low enrollment.
Over-the-counter medication, unless prescribed by a doctor, will no longer
2
be reimbursable from a Flexible Spending Account. This change is part of
the Patient Protection and Affordable Care Act.
Over-the-counter medication, unless prescribed by a doctor, will no longer
1
be reimbursable from a Health Savings Account. This change is part of the
Patient Protection and Affordable Care Act.
2 The tax penalty for withdrawing money from a Health Savings Account for
non-qualified medical expenses will increase from 10 percent to 20 percent.
This change is part of the Patient Protection and Affordable Care Act.
There will be a new life insurance plan
administrator.
The administrator of the life insurance plan will
change to Aetna. There will be no changes to life
insurance benefits or options.
A HealthCheck3 credit earned in
FY2010 will be automatically applied
during enrollment.
You will not have to take any action during
enrollment. The premiums for your 2011 benefit
elections will be automatically offset by the
HealthCheck3 credit you earned.
Congratulations to the more than 4,000
employees who reduced their benefit costs and
learned more about their health by participating in
HealthCheck3!
SAVE THE DATE!
NOW – Review your benefit needs for 2011. Learn
details of your benefit choices on eBenefits on
InsideNet under Self Service Solutions by clicking on
the plan name.
WEEK OF OCT. 11 – Try different scenarios using
the Health Plan Comparison Tool available at
www.bcbst.com.
Read the Open Enrollment newsletter with
information on how to enroll online. It will be mailed
to employees’ homes.
OCT. 21 – Review your personalized fact sheet
available through eBenefits.
OCT. 21 - NOV. 19 – Open Enrollment for 2011 —
Elect your benefits online by midnight Eastern time.
IT’S IMPORTANT TO ENROLL
• To have a Health Care Spending Account or
Dependent Care Spending Account in 2011,
you must enroll during open enrollment.
• If you don’t elect medical or dental coverage
during open enrollment, you will be
automatically enrolled in the same medical or
dental plan with the same level of coverage —
individual or family — you had in 2010.

BENEFITS FOR 2011
Medical Plan
Your medical plan choices for 2011 are: Copayment Plan, 80 Percent Co-insurance
Plan or Consumer-Directed Health Plan. The biweekly premiums you will pay for
your medical plan are shown below.
2011 MEDICAL PLAN PREMIUMS
2011 Total 2011 Full-time 2011 Part-time
Medical Plan Biweekly Employee Biweekly Employee Biweekly
Options Premium* Premium Premium
Copayment Plan
Individual $354 $170 $262
Family $850 $408 $629
80 Percent
Co-insurance Plan
Individual $230 $46 $138
Family $552 $110 $331
Consumer-Directed
Health Plan
Individual $120 $12 $66
Family $289 $29 $159
* This is TVA’s contribution plus employees’ premium
Dental Plan
Your dental plan choices for 2011 are: Dental2000 w/Ortho, Dental1200 or Dental0750.
The biweekly premiums you will pay for your dental plan are shown below.
2011 DENTAL PLAN PREMIUMS
2011 Total 2011 Full-time 2011 Part-time
Dental Plan Biweekly Employee Biweekly Employee Biweekly
Options Premium* Premium Premium
DENTAL2000 w/Ortho
Individual $16.54 $6.83 $11.68
Family $46.63 $19.23 $32.93
DENTAL1200
Individual $12.14 $2.43 $7.28
Family $34.25 $6.85 $20.55
DENTAL0750
Individual $8.50 $0.85 $4.67
Family $23.96 $2.40 $13.18
* This is TVA’s contribution plus employees’ premium
TO KNOW MORE:
Review the benefit comparison charts available in the Open Enrollment newsletter
mailed to your home and on eBenefits on InsideNet. Charts also are available at
www.bcbst.com. Click on Self Service, Members, TVA employees, then Plan Details.
You also can find answers to frequently asked questions by clicking on “How Do I… .”
Accidental death and dismemberment insurance
You can choose accidental death and dismemberment insurance coverage
for yourself from one to five times your pay. You may also elect coverage for
your spouse equal to one-half of your coverage amount. If you are enrolled in
accidental death and dismemberment insurance coverage, you also may choose
coverage of $5,000 or $10,000 per eligible child. Your cost will be shown on
your personalized fact sheet.
Life Insurance
TVA provides $10,000 in core life insurance to
each annual employee. You can elect additional
life insurance from one to five times your pay.
You also can purchase life insurance coverage
for your dependents in the amounts of $5,000
spouse/$2,500 per child, $10,000 spouse/$5,000
per child or $20,000 spouse/$10,000 per child. The
premiums for 2011 will decrease. Your cost will be
shown on your personalized fact sheet.
Long-term disability
Long-term disability coverage that ensures 30 percent
income replacement is provided by TVA at no cost
to annual employees. You can elect optional longterm
disability coverage for yourself that will provide
an additional 35 percent income replacement
of your high three-year average annual pay. The
premiums for 2011 will decrease. Your cost will be
shown on your personalized fact sheet.
IMPORTANT!
If you do not have optional life insurance
coverage or long-term disability coverage now
and want to enroll, or if you want to increase the
amount of your current optional life insurance
coverage, you will have to provide Evidence of
Insurability. You must make your election during
open enrollment; however, your coverage will
not become effective until satisfactory Evidence
of Insurability is provided.
• For life insurance: You will receive a letter
from Aetna in January, if you are required to
submit Evidence of Insurability, with details
of how to submit your Evidence of Insurability
online or via paper directly to Aetna.
• For long-term disability: While on eBenefits,
click Evidence of Insurability to submit your
long-term disability Evidence of Insurability
online or via paper directly to UNUM.
Your coverage will become effective once the
insurance company approves your Evidence of
Insurability.

Flexible Spending Accounts
With a flexible spending account, you can set aside from
$130 to $5,000 for eligible expenses before taxes are
deducted from your paycheck. This means the amount
of income your taxes are based on will be lower, resulting
in a tax savings for you. Both health care and dependent
care flexible spending accounts are available.
Health Care Flexible Spending Account
(You cannot elect this account if you will be enrolled in the
Consumer-Directed Health Plan in 2011.)
If you, someone covered under your health care plan, or
your tax dependent will have healthcare expenses in 2011
that will not be covered by your medical or dental plan,
such as your deductible or co-insurance, or Lasik surgery,
you can save money by contributing to this account.
You have until Mar. 15, 2012, to use the money you
put into your 2011 Health Care Spending Account.
Otherwise you will lose it.
Dependent Care Flexible Spending Account
This account is to help pay for dependent day care costs
so you and your spouse (if married) can work or attend
school. Eligible expenses include care provided inside
your home (not provided by a dependent) and care
provided outside your home (such as day care, preschool
and after-school care.) This account is NOT for
healthcare expenses.
You have until Dec. 31, 2011, to use the money you
put in your 2011 Dependent Care Spending Account.
Otherwise you will lose it.
TO KNOW MORE:
There are certain types of expenses that are
reimbursable from a flexible spending account.
• Go to www.spendingaccounts.info
• Click the Eligible Expenses Guide or review
IRS Publications 502 (Health Care) and 503
(Dependent Care) available from the Internal
Revenue Service website at http://www.irs.gov.
Short Term Disability and Critical Illness
You can choose short-term disability coverage up to 50 percent of your
gross monthly salary, up to $3,000 a month. You can choose critical-illness
insurance in benefit amounts from $5,000 to $50,000 in $1,000 increments.
These plans are available directly from UNUM Provident and are not part
of TVA’s online enrollment. To enroll or for more information, call UNUM’s
Enrollment Center at 1-866-792-3526 Monday-Friday from 9 a.m. to 6 p.m.,
Eastern time.
Your premium payments can be deducted from your paycheck, and you
can enroll in these benefits any time throughout the year.
Health Savings Account
A Health Savings Account is available to participants in the Consumer-
Directed Health Plan. For 2011, TVA will make a contribution of $600 for
individual coverage or $1,200 for family coverage to the Health Savings
Account for Consumer-Directed Health Plan members with a Health
Savings Account with HSA Bank.
If you enroll in the Consumer-Directed Health Plan, you will be able to open
your Health Savings Account with HSA Bank while enrolling on the online
Open Enrollment website. You can also set up pre-tax payroll deductions
at the same time, if you wish. In late December, new accountholders will
receive a welcome kit. Within five to 10 days after receiving the welcome
kit, a HSA Bank VISA debit card will arrive.
If you currently have a Health Savings Account with HSA Bank, you will
not need to take any action. Also, if you are currently contributing to your
Health Savings Account through payroll deduction, your deduction will
continue into 2011. You can change your deduction any time through Self
Service Solutions.
ENROLL ONLINE OCT. 21 - NOV. 19.
IT’S QUICK AND EASY.
The Open Enrollment site will be
available through eBenefits on
InsideNet. Under Self Service
Solutions, click Benefits, then
eBenefits, then Open Enrollment.
You cannot change your benefit
elections after Jan. 1, 2011, unless
you experience specific life events
as determined by the Internal
Revenue Service.
IMPORTANT!
Review and print (or e-mail it so
you can file it electronically) your
Confirmation of Elections after
completing your online enrollment.
TO KNOW MORE:
Review your personal fact sheet. Your fact sheet shows the cost
of each of your 2011 benefit options and will be available on eBenefits
when enrollment begins.